Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4506995
Complaint Overview
Complaint ID: 4506995
Company: Citibank, N.A.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: California
ZIP Code: 93036
Date Received: 2021-06-30T12:00:00-05:00
Date Sent to Company: 2021-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am in the process of applying for a home loan and in the process I discovered that Macys reported a charge off/collections under my social and name to XXXX from XXXX. I previously had a Macys account and closed the account in XXXX but XXXX paid the account before closing it. I contacted Macys about the charge off to see what was going on and they informed me that they did not report a charge off and the only records in their system indicate that I fully paid off the balance and closed the account in XXXX. Since they could not seem to find anything, they referred me to Citi Bank who might have more information. Upon contacting Citi Bank, they shared the same information Macys shared. I had an account in XXXX with Macys and the account was fully paid off and closed in XXXX. I do not owe them a balance of {$1300.00} as the charge off amount indicates on any XXXX Credit Report. Citi bank suggested a submit dispute as I do not owe them any money and they have no record of this charge off. I spoke to Citi Bank representative named XXXX.
Frequently Asked Questions
What is Complaint #4506995 about?
Complaint #4506995 was filed against Citibank, N.A. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-06-30T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.